My Dissapointing reply from M Bowden @ HSBC

[organiser]

I received a reply today to my initial request to refund charges over the 6 year period. they amounted to approx £155 plus £196 of interest. I received the following reply:

 

Dear Mrs xxxxxxx

 

Thank you for your e-message dated 9 March 2006.

 

I do acknowledge your comments on this matter. However, please note that the charges have been applied correctly in line with the Bank's published tariff. As such, a refund is not applicable on this occasion.

 

Our scale of charges can benefit all personal customers but each time an account has an overdraft which hasn't been agreed in advance or operates outside of the above criteria, we incur costs in reviewing and agreeing any additional borrowing. In these circumstances we believe that applying Overdraft Review Fees is both fair and appropriate and we won't refund charges that have been applied correctly.

 

We won't, however, charge more than five fees in any one charging month, and charges applied to an account will never exceed either the maximum overdrawn balance or the amount of any borrowing which is over an agreed limit. This is part of our wider commitment to fair banking.

 

I have forwarded you our leaflet ' cards and travel prices ' which provides further details on our charges.

 

If you still wish to discuss this further, please do not hesitate to contact us on 08457 404 404. Alternatively please call in to your local HSBC branch.

 

I trust this clarifies matters.

 

Yours sincerely

 

 

Mr M Bowden

Manager Customer Credit Services

[BankFodder]

So?

[spurge]

organiser, i would recommend you do not send messages through the HSBC online banking message service as this response that you have had is a bog standard response that I have also recieved in the past when challenging individual charges on my account (this was last year before I knew about this website or attempted to claim the full amount back)

 

Write a letter and send it to your branch or one of the addresses at the top of this forum, you will have better chance of a half reasonable response that way i assure you 8)

[dcroz]

Hi there,

 

I agree that this is a standard reply - I received an indentical response a few weeks ago!

[organiser]

I had sent it to the M Bowden contact at the top of the forum. But by email initially. I have replied to him by email, quite snottily actually, which probably wasn;t the best thing to do. But I was in such a rage after reading his reply.

 

I have now sent it to the other address by form of letter and to my branch too.

 

Talking about my branch, I have had someone from there trying to call me 3 times a day for the last 4 days. I am not willing to speak to them by phone as I have mentioned to them before. So I will await their written reply!

 

I suppose they are getting so many letters nowadays of the same format, that they are probably sending out a standardised letter to us all too.

 

Dcroz: What did you do after your standard response?

[organiser]

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